Large Loans

Accord can help to support your larger loan applications by having dedicated underwriters trained to understand the more complex needs of customers with higher incomes and distinct property opportunities.

Key information

Max loan £5m up to 75% LTV

Max loan £2m up to 85% LTV

(New build max £1m)

Max loan £750k up to 90% LTV

(Subject to availability)

Dedicated large loan underwriters with case ownership to completion

Common sense lending and ability to utilise complex income

Expertise with complex and unusual cases

How to get started

Get an estimate of your client’s borrowing needs with our affordability calculator.
View our lending criteria to make sure everything is in order for your client’s application – you can search the criteria by topic or browse by category.
Use our online product finder to search for the right deal for your client.

What you need to know

Min/max loan term

  • The maximum loan term is  40 years
  • The minimum loan term is 5 years
  • The percentage of the mortgage term occurring after age 70 must be less than 25% of the overall mortgage term.


This applies to new business and remortgaging

For product transfers, first check the term remaining on the mortgage. Make sure it qualifies for the products available and the terms allowed on those products.


Loan size and LTV limits for new business

The following loan limits are for new business, excluding new build, which have their own limits.

Property type Min/max loan size* Max LTV
House/flat £30k - £5m 75%
House/flat £50k - £2m 85%
House/flat £50k - £750k 90%
House/flat (excl. Northern Ireland) £50k - £600k 95%
5K Deposit Mortgage** House/flat (excl. Northern Ireland) £95k - £495k 99%

 

*Some products also have a minimum loan requirement, please check this before applying.

**5K Deposit Mortgages (up to 99% LTV):

  • First time buyers only (one customer must be a FTB and neither can have any background properties)
  • Capital and interest only
  • Advised only
  • Maximum age of oldest applicant 70 at end of term
  • Minimum purchase price £100K
  • Maximum purchase price £500K
  • Not eligible for Joint borrower sole proprietor (JBSP), Cascade score or Boost LTI

Loan size and LTV limits for new builds

New build properties are subject to the following maximum loan and LTV limits: 
 

Property type Loan size* Max LTV
House/flat Up to £5m 75%
House/flat Up to £1m 85%
House/flat Up to £750k 90%
Deposit unlock** House (excl. Northern Ireland) Up to £600k 95%

 

*Some products also have a minimum loan requirement, please check this before applying.

*Deposit unlock, exclusive to new build:

  • Available to first time buyers and home movers in England, Wales and Scotland 
  • 5% deposit must come from the clients own funds
  • Our standard lending and affordability criteria applies 
  • Deposit unlocked letter required  

Product finder

Search our range of mortgage deals with our easy-to-use product finder tool.

  Product finder

 

Affordability Calculator

Our Affordability Calculator will give you a quick estimate of how much your client could borrow.

  Affordability calculator